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Macroinsurance for Microenterprises: A Randomized Experiment in Post-Revolution Egypt 2011

Egypt, Arab Rep., 2011 - 2012
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Reference ID
EGY_2011_MMIE_v01_M_v01_A_PUF
Producer(s)
Matthew Groh, David McKenzie, Tara Vishwanath
Metadata
DDI/XML JSON
Created on
Dec 22, 2014
Last modified
Mar 29, 2019
Page views
28527
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  • Study Description
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Data file: MacroinsuranceforMicroentrepreneurs

Business Owner Questionnaire - Baseline
Section 1: Enterprise owner background
Section 2: Business information
Section 3: Finance
Section 4: Attitudes towards risk
Section 5: Assets and inventory
Section 6: Income
Section 7: Other finance
Section 8: Discounting and saving
Section 9: Expectations
Section 10: Financial literacy
Section 11: Obstacles to business
Section 12: Consumption information
Section 13: Tracking information
Section 14: Games

Business Owner Questionnaire - Follow-up
Section 1: Enterprise owner background
Section 2: Business information
Section 3: Wage employment
Section 4: Loans
Section 5: Epp and economic outlook
Section 6: Assets
Section 7: Inventory
Section 8: Discount rate
Section 9: Business profits
Section 10: Investment proclivity
Section 11: Obstacles to business
Section 12: Discount rate
Section 13: Consumption information

Cases: 2972
Variables: 682

Variables

branchcode
Branch code
clientid
group(branchcode clientcode)
epp
Dummy -- Purchased EPP
treat
Dummy -- Treatment
pair
Pair ID
npairs
Number of Individuals per Pair ID
branchid
Branch Identification Number
female
Dummy -- Female
x1
maxrisk
x2
choosesafebusiness
x3
chooseambiguity
x4
highexposuretoshocks
x5
mediumexposuretoshocks
x6
considerdelayinvest
x7
expectnewloan
x8
expectloanlessthan3000
x9
expectloan3000to5000
x10
profits1
x11
profits2
x12
missprofits1
x13
missprofits2
b_GOV
Governorate
b_MARKAZ
Kism/ Markaz
b_VILLAGE
Village/ Ward
b_PLACE
Place of the interview
b_DAY
Day of interview
b_MONTH
Month of interview
b_YEAR
Year of interview
b_QCNTROL
Quality control
b_INTERV
Interviewer
b_RESULT
Result
b_VISITS
Total number of visits
b_FEDIT
Field editor
b_OEDIT
Office editor
b_CODER
Coder
b_KEYER
Keyer
b_NATURE
Project Nature
b_RESPOND
Who is the respondent
b_101H
Start hours
b_101M
Start minutes
b_102
Sex
b_103DAY
Day of birth
b_103MON
Month of birth
b_103YEAR
Year of birth
b_104
Marital status
b_105
Ever attended school
b_106
Highest level of school attended
b_107
Last completed grade at that level
b_108
Number of household members "including respondent"
b_109
Number of children less than 18 years old in the household
b_202TEXT
Business activities description (Text)
b_202
Business activities description (Code)
b_202MON
Month in which business begun operations
b_202YEAR
Year in which business begun operations
b_203
Business is permanent, temporary, or seasonal
b_204
Business operate in a fixed or mobile location
b_205
Kind of business location
b_206
Business owner
b_207A
Spouse/ Husband own business
b_207B
Mother/ Father own business
b_207C
Children own business
b_207W
Another family member
b_207X
Someone outside the family
b_208
Having a tax identification card for the business
b_209
Having a business license (agreement from the government)
b_210A_1
No. of full time paid workers (excluding enterprise owner,partner)
b_210A_2
No. of full time unpaid workers (excluding enterprise owner,partner)
b_210B_1
No. of part time paid workers (excluding enterprise owner,partner)
b_210B_2
No. of part time unpaid workers (excluding enterprise owner,partner)
b_211A
Total working hours per week (for the enterprise owner)
b_211B
Total working days per week (for the enterprise owner)
b_212A
Total working hours last week (for the enterprise owner)
b_212B
Total working days last week (for the enterprise owner)
b_301
Currently have a loan from ABA in your name
b_301A
A family member currently have a loan from ABA used for this business
b_302
Recently (last month) paid off a loan in your name to ABA
b_303
Original value of this loan (L.E)
b_304MON
Month of taking out the loan
b_304YEAR
Year of taking out the loan
b_305
Main reason of taking out the loan
b_306
Intention for applying for the loan
b_307
Period until renewing the loan
b_308
Expecting the value of the next loan (L.E)
b_309
Main reason for renewing the loan
b_310
Planning on making investments in machinery & equipment with this loan
b_311
Main items to invest in
b_312
Value of these investments (L.E)
b_313
Considering delaying investing in machinery, equipment until economic & politica
b_314_1
Concerned about "Political crisis"
b_314_2
Concerned about "Higher inflation"
b_314_3
Concerned about "Currency appreciation"
b_314_4
Concerned about "Arise in the price of subsidized goods"
b_315
Most of these which will impact your business profitability
b_316
The ability to pay 0.5% extra for loan to avoid risks/crisis
b_317
Reason if E316 "NO"
b_318
Pay 10L.E for insurance policy from ABA that pay 400L.E if any events occurred o
b_319
Reason if E318 "NO"
b_401
Level of ability to take risks
b_402
Choosing business of high risk(A) or business of low risk(B)
b_403_1
Likelihood of going to the market within two days
b_403_2
Likelihood of going to the market within two weeks
b_403_3
Likelihood of appearence of two consecutive heads
b_403_4A
Likelihood of suspension of the stock
b_403_4B
Likelihood of higher inflation more than the five past years
b_403_4C
Likelihood of increasing in price of benzene 80 to over 2L.E/Litre
b_403_4D
Likelihood of increasing in price of benzene 90 to over 4L.E/Litre
b_403_4E
Likelihood of increasing in price of subsidized LPG cylinder to 30L.E/Cylinder
b_403_4F
Likelihood of curfew for 14 hours or more
b_403_4G
Likelihood of no change in bread prices
b_403_4H
Likelihood of increasing in tourism more than before revolution
b_403_4I
Likelihood of expansion of business in the next year
b_403_4J
Likelihood of increasing in employment in the next year
b_404
Probability of at least one of these events happen within next year
b_405
Expecting 1 dollar = ? pounds during six months
b_406
Preferring 500L.E in one month or 475L.E today
b_406VALU
Lowest acceptable amount (L.E)
b_501
Currently own a land or market space used by the business
b_502
Business currently operate in any building, shed, or kiosk
b_503
Own, rent, or borrow the business building, shed, or kiosk
b_504_1
Enterprise currently have any "Furniture"
b_504_2
Enterprise currently have any "Closed sets/ Shelves"
b_504_3
Enterprise currently have any "Display cases"
b_504_4
Enterprise currently have any "Fans"
b_504_5
Enterprise currently have any "Air conditioning"
b_504_6
Enterprise currently have any "Radio"
b_504_7
Enterprise currently have any "Television"
b_504A
Cost for replacing these assets (L.E)
b_505
Currently use any tools/machines/equipments/vehicles
b_505NO
No. of tools/machines/equipments/vehicles
b_506_1
Name of (tool/machine/equipment/vehicle) "1"
b_507_1
Own,rent,borrow(tool/machine/equipment/vehicle) "1"
b_508_1
Cost of replacing(tool/machine/equipment/vehicle) "1" (L.E)
b_506_2
Name of (tool/machine/equipment/vehicle) "2"
b_507_2
Own,rent,borrow(tool/machine/equipment/vehicle) "2"
b_508_2
Cost of replacing(tool/machine/equipment/vehicle) "2" (L.E)
b_506_3
Name of (tool/machine/equipment/vehicle) "3"
b_507_3
Own,rent,borrow(tool/machine/equipment/vehicle) "3"
b_508_3
Cost of replacing(tool/machine/equipment/vehicle) "3" (L.E)
b_506_4
Name of (tool/machine/equipment/vehicle) "4"
b_507_4
Own,rent,borrow(tool/machine/equipment/vehicle) "4"
b_508_4
Cost of replacing(tool/machine/equipment/vehicle) "4" (L.E)
b_506_5
Name of (tool/machine/equipment/vehicle) "5"
b_507_5
Own,rent,borrow(tool/machine/equipment/vehicle) "5"
b_508_5
Cost of replacing(tool/machine/equipment/vehicle) "5" (L.E)
b_506_6
Name of (tool/machine/equipment/vehicle) "6"
b_507_6
Own,rent,borrow(tool/machine/equipment/vehicle) "6"
b_508_6
Cost of replacing(tool/machine/equipment/vehicle) "6" (L.E)
b_506_7
Name of (tool/machine/equipment/vehicle) "7"
b_507_7
Own,rent,borrow(tool/machine/equipment/vehicle) "7"
b_508_7
Cost of replacing(tool/machine/equipment/vehicle) "7" (L.E)
b_506_8
Name of (tool/machine/equipment/vehicle) "8"
b_507_8
Own,rent,borrow(tool/machine/equipment/vehicle) "8"
b_508_8
Cost of replacing(tool/machine/equipment/vehicle) "8" (L.E)
b_508_9
Cost of replacing other(tools/machines/equipments/vehicles) (L.E)
b_509
Currently hold inventory (products for sale,raw materials,spare parts)
b_509A
Value of inventory (L.E)
b_510
Value of goods/things have on hand to sell at the beginning of the day (L.E)
b_511
Cash currently have for the enterprise (L.E)
b_512
Main thing business owner could spend 1500L.E extra on
b_601
Keeping records for the business (record all deals)
b_602_1
Amount(L.E) paid for "Raw materials and items for resale" (last month)
b_602_2
Amount(L.E) paid for "Employees and apprentices" (last month)
b_602_3
Amount(L.E) paid for "Cell phone credit" (last month)
b_602_4
Amount(L.E) paid for "Maintenance, repair, and renewal" (last month)
b_602_5
Amount(L.E) paid for "Transportation, transferring" (last month)
b_602_6
Amount(L.E) paid for "Rental of machinery, equipment" (last month)
b_602_7
Amount(L.E) paid for "Electricity" (last month)
b_602_8
Amount(L.E) paid for "Gas" (last month)
b_602_9
Amount(L.E) paid for "Water" (last month)
b_602_10
Amount(L.E) paid for "Loan installment" (last month)
b_602_11
Amount(L.E) paid for "Rent" (last month)
b_602_12
Amount(L.E) paid for "Bribes, tips" (last month)
b_602_13
Amount(L.E) paid for "Other" (last month)
b_603_1
Average amount spent monthly for "Electricity" (L.E)
b_603_2
Average amount spent monthly for "Gas" (L.E)
b_603_3
Average amount spent monthly for "Water" (L.E)
b_604_1
Total sales(L.E) in business in February 2012
b_604_2
Total sales(L.E) in business in January 2012
b_604_3
Total sales(L.E) in business in December 2011
b_605_1
Profit of business(after all expenses,wages):February 2012 (L.E)
b_605_2
Profit of business(after all expenses,wages):January 2012 (L.E)
b_605_3
Profit of business(after all expenses,wages):December 2011 (L.E)
b_605_4
Profit of business(after all expenses,wages):whole year 2011 (L.E)
b_606
Percent of monthly profit re-invested in business
b_607
Business's sales affected during 2 months after revolution
b_608
Business's sales affected during bread crisis(summer 2008)
b_609
Earning income from anywhere else apart from business
b_610A
Other income earning activity"Pension"
b_610B
Other income earning activity"Income from another project/ work"
b_610C
Other income earning activity"Revenues of an apartment rent/ Shop"
b_610D
Other income earning activity"Subvention"
b_610X
Other income earning activity"Other"
b_611_1
Amount earned(excluding business profits):February 2012 (L.E)
b_611_2
Amount earned(excluding business profits):January 2012 (L.E)
b_611_3
Amount earned(excluding business profits):December 2011 (L.E)
b_612
Total household income(L.E) in February 2012
b_701
Having a loan from other source than ABA
b_701A
Ever applied for a loan from a bank
b_702
Ever been granted a loan from a bank
b_702A
Banque du Cairo
b_702B
Alexandria Bank
b_702C
City Bank
b_702D
Barclays Bank
b_702E
Piraeus Bank
b_702F
United Bank
b_702G
El-Ahly Bank
b_702H
Agricultural Credit Bank
b_702I
Banque Misr
b_702J
Housing and Development Bank
b_702K
Naser social bank
b_702L
Credit Agricole Egypt
b_702M
Arab African International Bank
b_702N
Blom Bank
b_702O
Bank BNP Paribas
b_702P
Faisal Islamic Bank
b_702Z
Don't know the name of the bank
b_703
Size of loan from the bank(s) (value of last loan in L.E)
b_704
Amount currently owe in bank(s) loans (L.E)
b_705
Applied for a loan from a microfinance organization(s) other than ABA
b_706
Granted a loan from a microfinance organization(s) other than ABA
b_706A
Association of rural
b_706B
Woman and development association
b_706C
"Zien El-Abedeen" association
b_706D
"El-Bashayer" association
b_706E
"El-Tahrir" association
b_706F
"Keryazy" association
b_706G
"Hezb Masjid Omar Ebn El-Khattab" association
b_706H
"Sedy Gaber Swiss" association
b_706I
"Fishermen" association
b_706J
"Social Fund for development" association
b_706K
"Karitas" association
b_706L
"Masjid Abou Omar" association
b_706M
"Sabry El-Kady" association
b_706Z
Don't know the name of the organization
b_707
Size of the loan from the organization(s) (L.E)
b_708
Amount currently owe in microfinance loans (L.E)
b_709
Ever defaulted on or not repaid loan to bank,microfinance organization
b_710
Ever borrowed money from family,friend for the enterprise(s)
b_711
Amount currently owe to friends and family (L.E)
b_712
Ever been granted a loan from other source(s)
b_712NAME
Source(s) name(s)
b_713
Size of the loan from this/these source(s) (L.E)
b_714A
"I need money":Reason for choosing this/these source(s)
b_801
Preferring 500L.E in six months or 475L.E in five months
b_801NO
Lowest acceptable amount (L.E)
b_901
Best of these which describes your business
b_902_1
"Profits":more,the same,less than before the revolution
b_902_2
"Sales":more,the same,less than before the revolution
b_902_3
"Expenses":more,the same,less than before the revolution
b_902_4
"Customers":more,the same,less than before the revolution
b_902_5
"Employees":more,the same,less than before the revolution
b_902_6
"Confidence in business future":more,the same,less than before the revolution
b_1001_1
Missing number in the sequence (20,30,40,...,60)
b_1001_2
Missing number in the sequence (59,67,75,...,91)
b_1001_3
Missing number in the sequence (8,16,32,...,128)
b_1002_1
First response of (100-7) sequence
b_1002_2
Second response of (100-7) sequence
b_1002_3
Third response of (100-7) sequence
b_1003
1%interest rate/year & 2%inflation rate/year(ability to purchase)
b_1004
100L.E savings with 5%annual interest (after 1year value of savings)
b_1005
1000L.E(1year loan) with interest rate 16%, amount should pay back at the end
b_1006TXT
Respondent knowledge about insurance (Text)
b_1006
Respondent knowledge about insurance
b_1007
Buy 1year house fire insurance,money be returned if no fire happened
b_1008
Receiving money on a person died within 6 months of buying LIP
b_1101_1
"Telecommunications":problem for the growth of the enterprise
b_1102_1
Judgment on "Telecommunications" problem severity
b_1101_2
"Electricity":problem for the growth of the enterprise
b_1102_2
Judgment on "Electricity" problem severity
b_1101_3
"Transportation":problem for the growth of the enterprise
b_1102_3
Judgment on "Transportation" problem severity
b_1101_4
"Water":problem for the growth of the enterprise
b_1102_4
Judgment on "Water" problem severity
b_1101_5
"Access to land":problem for the growth of the enterprise
b_1102_5
Judgment on "Access to land" problem severity
b_1101_6
"Price of land":problem for the growth of the enterprise
b_1102_6
Judgment on "Price of land" problem severity
b_1101_7
"Regulatory policy uncertainty":problem for the growth of the enterprise
b_1102_7
Judgment on "Regulatory policy uncertainty" problem severity
b_1101_8
"Tax rates":problem for the growth of the enterprise
b_1102_8
Judgment on "Tax rates" problem severity
b_1101_9
"Tax administration":problem for the growth of the enterprise
b_1102_9
Judgment on "Tax administration" problem severity
b_1101_10
"Customs and trade regulations":problem for the growth of the enterprise
b_1102_10
Judgment on "Customs and trade regulations" problem severity
b_1101_11
"Labor regulations":problem for the growth of the enterprise
b_1102_11
Judgment on "Labor regulations" problem severity
b_1101_12
"Skills and education of available workers":problem for the growth of the enterp
b_1102_12
Judgment on "Skills and education of available workers" problem severity
b_1101_13
"Enterprise licensing and operating permits":problem for the growth of the enter
b_1102_13
Judgment on "Enterprise licensing and operating permits" problem severity
b_1101_14
"Political instability":problem for the growth of the enterprise
b_1102_14
Judgment on "Political instability" problem severity
b_1101_15
"Access to financing":problem for the growth of the enterprise
b_1102_15
Judgment on "Access to financing" problem severity
b_1101_16
"Cost of financing":problem for the growth of the enterprise
b_1102_16
Judgment on "Cost of financing" problem severity
b_1101_17
"Macroeconomic uncertainty":problem for the growth of the enterprise
b_1102_17
Judgment on "Macroeconomic uncertainty" problem severity
b_1101_18
"Corruption":problem for the growth of the enterprise
Total: 682
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